About Kapatoes Insurance Services
Delivering great products, great service, and great pricing.
We’re the Health Food Insurance Group
Located in Lake Mary, Florida, Kapatoes Insurance Services has led the way in providing exclusive programs for the health food industry since 1997 As a specialty insurance firm, we solely represent the natural food and vitamin industry.
Our staff’s expertise is unparalleled in the industry, having provided more a few thousand retail health food, vitamin, and grocery stores, and distributors with coverage through our program. We understand this niche market, the risks it faces, and what is needed to provide tailored protection as businesses grow.
Our partner, top-tier carrier Great American Insurance Group, offers clients the financial security to know they are insured with the right carrier. Together, with Great American, we offer the best products and the best price for our clients. Our claims service is second to none.
The National Product Association, the nation’s largest and oldest nonprofit organization dedicated to the natural products industry, endorses our program.
The Kapatoes Story
In 1997, with the help of Steve Townsend of Cornucopia Natural Foods, now United Natural Foods, we established a specialized insurance program for health food and vitamin stores that leveraged the buying power of the warehouse to bring volume discounts to retailers while also recognizing
the unique coverage needs of the stores.
Since that time, our insurance program has grown substantially with protection provide for distributors.
Our exclusive program with Great American has been so successful that we now offer insurance and agents an opportunity to expand their footprint with us.
Agents and brokers can get appointed with us and offer clients our exclusive Great American program.
Kapatoes also provides a unique program that includes product liability insurance to businesses involved in the processing, manufacturing, and selling of ingestible or topical products with CBD.
What Our Clients Are Saying
I’ve worked with insurance companies all over the country and nobody understands co-ops better. We’re so glad to have Dane and the team’s expertise and top-notch service.
Chris
GM, Sugar Beat Food Co-Op
Our relationship with Kapatoes Insurance has now spanned almost two decades. Their dedication, diligence, follow-through, and customer service are unmatched in the industry. We ONLY recommend Kapatoes for everyone’s insurance needs.
Kevin
CEO of Roots Market
When it comes to working with insurance issues and claims it can be a bit overwhelming, but working with the wonderful Kapatoes team of Great American Insurance Company has been a tremendous help. We recently went through a claims process that was initially denied. Because of Dane’s experienced advice we kept pursuing other avenues until we got the specific information needed from the refrigeration company we were dealing with. Dane and Nicole knew just how to advise us and to follow through as needed to get the claim approved and processed. They knew it would take time but that it was not worth giving up on. Thanks to them the check is going to the bank tomorrow!
Vera Foronda, Finance Manager
Mariposa Food Co-op
Our agency contacted Kapatoes Insurance Services to quote a fruit and vegetable wholesaler. Dane Meisler contacted me immediately to respond to my inquiry. I found Dane to be very responsive and knowledgeable of his product. Our insured was a little bit outside of the normal box and Dane worked with us to make a good fit in both product and pricing. It was a real pleasure to work with someone who truly knows his market. I would highly recommend Kapatoes Insurance Services for your distributor needs.
Joanie
Soucy Insurance Agency, Inc.